i think it is no wonder that the housing market continues to sputter. and i think we add to the problem given the hodgepodge of statutes and rules, none of which are the same, by the way. but we have -- we have 50 state laws, local ordinances, federal regulations, state regulations, court rulings, enforcement actions, fha requirements, requirements, rural housing service requirements, the fannie mae standards and the freddie mac standards. so at a minimum the lack of a cinco clearly defined set of rules has added to the confusion, delayed much of the market from clearing, disgraced private capital from coming back into this sector. economists are right, and we can be part of the solution if we assisted. >> thank you. like to recognize the ranking member for the remaining time.